Best Health Insurance Company in India

Dos and Don'ts of a Health Insurance Plan

19 April, 2023

0 Shares

133 Reads

Health Insurance

Share

Health insurance covers the cost of medical expenses for an individual or family. It is an integral part of a financial plan and should be taken seriously. When considering a healthcare insurance plan, there are several do’s and don’ts that need to be taken into account.

 

This blog will discuss the benefits of having health insurance plans in India and the dos and don’ts to consider while buying the best health insurance plans in India.

 

Benefits of Healthcare Policies

Healthcare policies are designed to ensure everyone can access quality healthcare. It can lead to improved overall health outcomes, as individuals with access to healthcare can receive timely treatments and preventive care. Other advantages of buying a health plan are given below:

 

  • Cost Savings: Healthcare policies can help reduce healthcare services' overall cost. Providing access to preventative care and treatments can reduce the need for more expensive treatments.
  • Increased Accessibility: They can make healthcare more accessible for individuals who otherwise may not have access to it. For example, policies that provide free or low-cost healthcare can make it easier for individuals to receive the care they need.
  • Improved Quality: They can help to make sure that healthcare providers are held to a higher standard of care. It can lead to improved quality of healthcare as providers strive to meet the standards set by the policy.
  • Reduced Health Disparities: Medical plans can help to reduce disparities in healthcare access and outcomes. For example, policies that provide free or low-cost healthcare can help to ensure that individuals from all backgrounds have access to quality healthcare.

 

Dos

Before signing up for health insurance plans, it is crucial to research the different plans available and compare the plans' coverage levels and costs.

 

  • Read the Fine Print: It is essential to read the plan's fine print to ensure that the coverage is adequate and meets the individual or family’s needs. It is also important to know what is excluded from the plan and to understand any exclusions or limitations.
  • Buy Enough Coverage: It is important to buy enough coverage to ensure that the individual or family is adequately protected. It means buying a plan that provides enough coverage for medical expenses.
  • Look for Discounts: Many insurance companies offer discounts for individuals or families. It is important to look for these discounts to save money on the cost of the health plan.
  • Choose a Plan with a Good Network: Choosing a health plan with a good network of providers is important. It will ensure that the individual or family receives the care they require when they need it.

 

Don'ts

While keeping the above pointers in mind, you should also consider avoiding doing certain things.

 

  • Don’t Buy Too Much Coverage: It is vital to ensure that the individual or family does not buy more coverage than they need. It will result in wasting money on coverage that is not necessary.
  • Don’t Skimp on Coverage: It is crucial to ensure that the coverage is adequate and meets the individual or family's needs. Skimping on coverage will result in not being sufficiently protected in the event of an accident or illness.
  • Don’t Forget to Check the Exclusions: It is also crucial to read the plan's fine print and ensure that the coverage is adequate and meets the individual or family’s needs. It is also important to understand the plan's exclusions and ensure that the coverage is adequate for medical expenses.
  • Don’t Buy Without Shopping Around: It is important to shop around and compare different plans and providers to ensure that the individual or family gets the best coverage at the best price.
  • Don’t Buy Without Knowing the Company: It is vital to research the health insurance company and ensure that it is reputable and has a good track record. It will ensure that the individual or family is getting quality coverage.

 

Healthcare insurance is essential to a financial plan and should be taken seriously. It is necessary to research and compare the different plans and providers to ensure that the individual or family gets the best coverage at the best price. It is also important to read the fine print and to understand any exclusions or limitations of the plan. Taking these steps will ensure that the individual or family is adequately protected and has the coverage they need in the event of an accident or illness.

Start Your Insurance Today!

Secure your Health with comprehensive insurance plans from Niva Bupa

+91
Disclaimer infoBy clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.

You may also like

Health InsuranceHealth InsuranceMedical Insurance Best Health Insurance PlansHealth Insurance PlansHealth Insurance PolicyBest Health Insurance PlansBest Family Health InsuranceBest Mediclaim PolicyBest Health Insurance In IndiaBest Medical Insurance In IndiaBest Health Insurance Plans In IndiaBest Health Insurance Policy In IndiaMediclaimBest Health Insurance For Senior Citizens In IndiaBest Health InsuranceHealth Insurance With Opd CoverMediclaim InsuranceMedical Insurance PlansBest Health Insurance Company in IndiaCritical Illness InsurancePersonal Accident InsuranceMediclaim PolicyIndividual Health InsurancePregnancy InsuranceMaternity InsuranceBest Family Health Insurance plans in IndiaBest Health Insurance companyFamily Health InsuranceBest Health Insurance plans for Senior CitizensMediclaim Policy for Family

 

Health Insurance SchemesChief Ministers Comprehensive Health Insurance SchemeEmployee State Insurance SchemeSwasthya Sathi SchemePradhan Mantri Matru Vandana YojnaGovernment Health Insurance SchemeDr. YSR Aarogyasri SchemePradhan Mantri Suraksha Bima YojnaHealth Insurance DeductibleWest Bengal Hcovealth SchemeThird Party AdministratorRashtriya Swasthya Bima YojanaIn Patient Vs Out Patient HospitalizationMukhyamantri Chiranjeevi YojnaArogya Sanjeevani Health InsuranceCopay Health InsuranceCashless Health Insurance SchemeMukhyamantri Amrutum Yojna

 

Travel Insurance - Travel Insurance | International Travel InsuranceStudent Travel InsuranceTravel Insurance USATravel Insurance CanadaTravel Insurance Thailand | Travel Insurance GermanyTravel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist PlacesThailand Visa for Indians  | Canada Visa for Indians | Bali Visa for IndiansECR and Non ECR Passport | Qatar Visa StatusUSA VisaVietnam VisaUSA H1B Work Visa

 

Become an agentInsurance Agent | Insurance AdvisorLicensed Insurance AgentHealth Insurance ConsultantPOSP Insurance Agent

 

Group Health InsuranceStartup Health Insurance | Commercial Health InsuranceCorporate insurance vs personal insuranceGroup Personal Accident Insurance

 

Top Hospitals -  Best Hospitals in ChennaiTop Hospitals in DelhiBest Hospitals in GurgaonBest Hospitals in IndiaTop 10 Hospitals in IndiaBest Hospitals in HyderabadBest Hospitals in KolkataBest cancer hospitals in BangaloreBest cancer hospitals in HyderabadBest cancer hospitals in MumbaiBest cancer hospitals in IndiaTop 10 cancer hospitals in IndiaTop 10 cancer hospital in DelhiMulti Speciality Hospitals in MumbaiMulti Speciality Hospitals in ChennaiMulti Speciality Hospitals in HyderabadSuper Speciality Hospitals in DelhiBest Liver Hospitals in DelhiBest Liver Hospitals in IndiaBest Kidney Hospitals in IndiaBest Heart hospitals in BangaloreBest Heart hospitals in IndiaBest Heart hospitals in KolkataBest Heart hospitals in Delhi


OthersTop Up Health Insurance PolicyCorporate Health InsuranceHealth CardSection 80d of Income Tax ActAyushman BharatHealth Insurance PortabilityGoActive Family Floater PlanHealth Companion Family Floater PlanHealth Premia Family Floater PlanHealth Pulse Family Floater PlanHealth Recharge Family Floater PlanHeartbeat Family Floater PlanMoney Saver Family Floater PlanSaral Suraksha Bima Family Floater PlanSenior Citizen Family Floater PlanSuper Saver Family Floater PlanCorona Kavach Family Floater PlanHospital Cash InsuranceCashless Health InsuranceHealth Companion Price revision | Heartbeat Price revision | ReAssure Price revision 

 

Health & Wellness - PCODPCOD Problems SymptomsStomach InfectionStomach Infection symptomsHome remedies for Stomach InfectionHypertension definitionHow to Control SugarTyphoid in HindiBlood sugar symptomsTyphoid symptoms in hindiLow sugar symptoms | ब्लड शुगर के लक्षणpregnancy me kya kareOpen heart surgery costBlood infection symptoms in hindiBP badhne ke karanKhansi ka gharelu upayOmicronCoronavirus Health InsuranceCovid XE VariantNorovirus

footer logo
Some image

www.nivabupa.com

Some image

+91 11 41743397

Some image

1860-500-8888

Some image

3rd Floor, Capital Cyberscape, Sector 59, Gurgaon

  • Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
  • 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
  • 2 Since Inception refers to claim data from 2010 till December 2023.
  • 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
  • 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
  • 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
  • 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
  • 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
  • Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
Social IconSocial IconSocial IconSocial IconSocial Icon